Housing Finance in South Sudan

Overview

This profile is also available in French here.

To download a pdf version of the full 2019 South Sudan country profile, click here.

South Sudan’s political upheaval has heightened the country’s economic challenges. This is supported by the fact that the growth in GDP plummeted from 17.19 percent in 2011 to 3.93 percent in 2018. Despite oil extracts dominating South Sudan’s GDP, the country has been underperforming in terms of its oil production levels. This stems from mismanagement and political disputes within the country and in Sudan. Further, the national currency continues to slide and it has depreciated an additional 21 percent of its official value to the US dollar in 2018. The country’s mounting socio-economic challenges have negatively affected the country’s economic development which adversely affects the South Sudanese financial and housing sectors. Further, there is limited access to finance in South Sudan which makes financial services exclusive. In turn, South Sudanese resort to rotating savings and credit associations in the form of “merry-go-rounds” to access finance.

The low annual average income levels of urban households in South Sudan make it difficult for average households to afford the cheapest formal housing unit in urban areas. Moreover, the conditions for obtaining a mortgage and exorbitant lending rates make it even more difficult for these households to access housing finance. The country’s housing backlog is four million units nationwide, thus heightening the need for structural improvements in the country’s delivery of housing stock. Interestingly, the real estate sector has been one of the most active sectors in South Sudan, this character of the property markets highlights that there is potential for investment in real estate as that will create an opportunity for strengthening the country’s economy.

Find out more information on the housing finance sector of South Sudan, including key stakeholders, important policies and housing affordability:


Each year, CAHF publishes its Housing Finance in Africa Yearbook. The profile above is from the 2019 edition, which has up-to-date profiles for 55 African countries.

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